I am in the process of deciding on model for next purchase. My knowledge of cars is limited. I find the comments very useful. I have decided against the models in my other threads based on the comments.

I am planning to switch my plan to T-mobile and buy two phones from T-mobile. Currently I have two Nokia phones and two $45 monthly plans from Straight Talk. Please comment. Thanks. Plan: * 2 Lines Plan * $80 per month * Unlimited talk, text and web * Up to 500MB of high-speed data on our network. S...

Does she exceed in everything else and so you perceive these as weak spots? In math, she is "Exceeding the Grade Level Standard". At grade 4 she should not need you to pick out library books for her. She picks her own books from library. Turn off TV and tablets. She doesn't watch any TV d...

Our daughter is in grade 4. She is doing good in academics and extracurricular activities. In writing and reading, she is at level "Meeting the Grade Level Standard". In writing and reading, our goal is "Exceeding the Grade Level Standard". She is willing to do the extra work. Ou...

I currently have $45 Unlimited Plan with StraightTalk on another phone. This will be my first iPhone. Please comment. Thanks. Details: * This phone will only work with the $45 Unlimited Plan * 30 day Unlimited Plans include 2.5 GB of high speed data per 30 day cycle. After 2.5 GB, your data speed wi...

The thinking behind it is to reach my number faster. It is not based on any recent market performance. I will keep the same AA 80/20 even if stocks go down by 50% or more. Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage A...

Details: * Performance level now: Meeting the grade level standard. * Performance level next goal: Exceeding the grade level standard. * Currently at home our daughter spends 15 mins every day on maths doing one worksheet from edhelper.com. * We spend another 15 minutes every night with her on math...

Lender 1 Refi 1: * Closed on Wed Sep 19. * Lender 1 imposed waiting period of 90 days for next refi. Lender 2 Refi 2 quote comments: * We will have to wait until your loan gets assigned with the lender and you receive your first mortgage statement. * You will probably not receive your first stateme...

10% added Equity risk would not mean too much..... UNTIL Equities drop 50% and your portfolio declines 35%. Should we expect at that time a thread saying: I want to go from 70/30 to 50/50? if you change to 70/30 and stocks drop by 35%, are you sure you'd rebalance to keep that AA? If I change to 70...

if you want to do it because stocks are so good right now. No. What has changed in your situation or your thoughts about your financial plan since you decided on 60/40? Situation: No change. Thoughts: More reading. Risk increase by 10%: Need: Don't know Ability: Yes. Not planning to use the money t...

1) What does the rest of your portfolio look like? 2) What is your top marginal tax rate (fed + state)? 3) If you're going to put 40% of cash-out into bonds, why not leave that equivalent amount of equity in your house where you have a guaranteed 3.875% pretax return? 4) What is your investment hor...

Does it make sense to cash out? Cash out will go in taxable at overall AA of 60 stocks 40 bonds. I have not yet asked for the new loan terms with cash out. Locked rate terms: No cash out Loan amount: 312,000 30 years 3.875% Lender credit: -2,300 Closing: 1,900 Government recording charges: 330 Appra...

I have no prior experience in this area. We live in a condo townhouse. We saw two water stains on ceiling on both sides of fireplace chimney. Fireplace is never used. There were few days of windy rain. We called condo property management company. They called a contractor. Contractor said he will be ...

Best of luck with whichever way you go I will not be taking any action. I have asked this question only to learn about this subject. at a 15% marginal tax rate, you are not getting a huge benefit from the mortgage deduction I think it is 15% because of mortgage interest deduction. It was 25% before...